if you’re a college student who is short of money, then this article will help you find the ways to overcome your financial crunch.
Albeit, most students reach their legally adult age in their high schools, it is in college they realize the true meaning of being an adult. They have to deal with several things without any support. This is the time when they become cognizant of their responsibilities, and actually start thinking about their future. This is the time when they actually give thought to the eminent financial issues. Mentioned below are the neophyte financial tips that may prove helpful in such situations.
1. Discrete use of Credit Cards
Whether credit cards are boon or bane, can only be determined by the attitude and discretion of the user. Though the exciting offers like low interest rates and additional discounts may help one save a good deal of money, irresponsible stance may change the whole scenario. Even if you are ironclad about using the credit card only when required, it is essential to pay off the debts as soon as possible, for no matter how less the interest rate may be, it is going to get charged, and exponentially too, all thanks to compound interest.
2. Use Online Services
Wants extra tutoring services? Or have an inclination to join that language class? Try to find online alternative of them. Most often than not, online services are much cheaper than their counterparts. Moreover, taking assistance from online sources also saves up a good deal of money, which otherwise would have been spent on transportation. Taking online courses also provides you with the great advantage of time flexibility. So join an online course today and save yourself from the ever apprehensive dilemma of making selection between the extra classes and your part-time job.
3. Adopt DIY attitude
Hard caffeine fan? Start making coffee yourself. Vehicle needs tending oftener? Learn the basic mechanical techniques. And so on. On surface these trivial issues may seem like low cost perks, but if you have ever documented a budget, you would not need anyone to tell you how these so-called insignificant expenses have the largest affectation over your cost of living. Start adopting the DIY attitude now, and be prepared to reap the splendid benefits later.
4. Stop Brand Shopping
The time spent in college life is the most affectable time. Even minimal peer pressure is able to drive to follow the foolhardy trends. It is rather difficult too to keep yourself from jumping onto the bandwagon when everyone in it is looking so flashy and gay. But if you really wish to manage your financial resources optimally, this is the temptation you will have to drop. Stop looking for brand naming products, and instead choose the one that are of high quality, durable, and suits you the best.
5. Investments
In this world, where everyone is eager to go for the gold, no amount of savings is going to make you financially independent. The mission can be achieved only through proper investments. Most of the college students never give a thought to the concept of investments, what about the education loan, and all the additional expenses apart from the tuition fee? Many a time, students think they would never be able to save enough amount to be able to start the investments. However, the idea of not being able to save upto the minimal amount for investments is a conceptuality sourced out of the lack of knowledge. There are numerous investment plans the starting range of which are quite low and definitely affordable.
Last Note: "Beware of little expenses. A small leak will sink a great ship." by Benjamin Franklin.
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